We ban all sort of risk-taking behavior, whether it be drug use, speeding, or drinking underage. Why not ban behavior that puts our financial system at risk and deprives people of their homes, their pensions, and their livelihoods?

The FCIC should enlist the financial industry as its research assistants. The industry should jump at the chance. The only way to reduce the frequency and damage of future crises is to find out what caused this one.